First Data Corporation

Elaine D Bolle

Amy M Dunker

Susan M Milberger

Jackie MacFarlane

Mahala Johnson

Sabrina Ko

Maria Martinez

According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number, a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.

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San Francisco, CA, United States of America

Elaine D Bolle